Payday Loans in Duncombe, Iowa

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No payday loan companies in Duncombe, IA. Consider companies in other cities:

Company nameAddressZip codePhone number
Hometown Cash Advance 118 Lincoln Way, Ames, IA 50010 +1 (515) 232 - 8887
Farmers & Merchants Bank 311 Mack Ln, Mediapolis, IA 52637 +1 (319) 752 - 3661
Gunderson Kathy L 29507 Harding Rd, Postville, IA 52162 +1 (563) 864 - 7016
U.S. Bank Branch 323 E Reed St, Red Oak, IA 51566 +1 (712) 623 - 4828
Check n Go 411 W Agency Rd UNIT 3, West Burlington, IA 52655 +1 (563) 275 - 3742
Academy Mortgage - Cedar Rapids 3412 Center Point Rd NE b, Cedar Rapids, IA 52402 +1 (319) 364 - 4992
American State Bank 1000 Jeffreys Dr, Osceola, IA 50213 +1 (641) 342 - 2175
Lake Park Auto Repair 17 Ave A W 7733, Lake Park, IA 51347 +1 (712) 832 - 9619
Easy Cash Solutions 1417 4th St SW, Mason City, IA 50401 +1 (641) 423 - 0920
Preferred Auto Sales 2198 Varnishtree Ave, Lockridge, IA 52635 +1 (319) 696 - 3366

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Duncombe, IA, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Ankeny, IA, Payday Loans in Bettendorf, IA, Online Loans in Cedar Falls, IA, Payday Loans in Cedar Rapids, IA, Payday Loans in Council Bluffs, IA, Same Day Loans in Davenport, IA, Payday Loans in Des Moines, IA and Payday Loan Without a Credit Check in Dubuque, IA. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Duncombe, IA.

Beautiful sights of Duncombe, IA

Payday Loans Available in Duncombe, IA By The Following ZIP Codes:

50532

Are Payday Loans Legal In Duncombe, Iowa?

Loan Rates and Fees, Laws and Regulations in Iowa.

Iowa Loan Regulations

Legal StatusLegal
Interest Rate (APR, %)337
Maximum Loan Amount$500
Minimum Loan TermNot Specified
Maximum Loan Term31 days
Number of Rollovers Allowed0
Finance Charges$15 on the first $100 + >$10 on subsequent $100

Duncombe, IA payday loan calculator

Payday Loans in Duncombe, Iowa: A Comprehensive Guide

When unexpected expenses arise, it can be challenging to maintain financial stability. This is where payday loans can provide a helping hand. In Duncombe, Iowa, payday loans are legal and can be a useful option for those in need of short-term financial assistance.

What are Payday Loans?

Payday loans are small, short-term loans that are typically used to cover unexpected expenses or bills. They are usually paid back with the borrower’s next paycheck, which is why they are often referred to as “payday loans.”

Typically, payday loans range from $100 to $1000 and are meant to be repaid within two to four weeks. The amount loaned and the repayment term vary by state law and the lender’s policies.

How to Apply for a Payday Loan in Duncombe, Iowa

If you’re in need of a payday loan in Duncombe, Iowa, the process is straightforward. Here are the general steps:

  • Gather the required information and documents. This often includes a valid photo ID, proof of income, and a checking account statement.
  • Research potential lenders to find a reputable, licensed lender.
  • Complete an online application or visit the lender’s brick-and-mortar location.
  • Wait for approval, which can take as little as a few minutes.
  • If approved, sign the loan agreement and receive the funds.

It’s important to note that payday loans often have high-interest rates and fees. So, it’s crucial to only apply for the amount needed and be prepared to repay the loan on time to avoid additional fees and charges.

The Benefits of Payday Loans

Payday loans can provide several benefits for those who need financial assistance. Some of the advantages include:

  • Quick and easy application process, which can take as little as a few minutes.
  • Funds can be received quickly, often within the same day.
  • Poor credit may not disqualify you from being approved for a loan.
  • Payday loans can be a helpful tool for those with little or no savings.

Payday Loan Regulations in Duncombe, Iowa

Payday loans are legal in Iowa, but there are several regulations in place to protect borrowers from predatory lending practices. Here are a few important regulations:

  • Loan amounts cannot exceed $500.
  • The maximum loan term is 31 days.
  • Lenders are required to provide written loan agreements.
  • Lenders are prohibited from pursuing criminal action to collect debts.
  • Lenders are required to disclose all fees and interest rates upfront.

Interesting Facts and Statistics about Payday Loans in Duncombe, Iowa

  • According to the Iowa Division of Banking, as of August 2021, there were 102 licensed payday loan companies operating in Iowa.
  • The average payday loan in Iowa is for $378, and the average APR is 273%.
  • In 2020, Iowa payday lenders made 558,177 loans totaling over $187 million.
  • Around 90% of borrowers take out payday loans to cover unexpected expenses or bills.

Apply Now with TheGuaranteedLoans

If you’re in need of a payday loan in Duncombe, Iowa, TheGuaranteedLoans can help. We’re a connector service that can match borrowers with potential lenders. Our application process is quick and straightforward, and we work with a network of reputable lenders. Plus, we’re committed to providing transparency throughout the lending process.

To get started, simply complete our online application, and we’ll facilitate your connection with potential lenders.

Please keep in mind that TheGuaranteedLoans is not a direct lender and does not make loan decisions. We’re a connector service and work with lenders to help you find the best loan option for your needs.

In Conclusion

When used responsibly, payday loans can be a helpful tool for those who need short-term financial assistance. It’s crucial to be aware of the regulations in place in Duncombe, Iowa, and choose a reputable lender. TheGuaranteedLoans is here to help make the process easier and more transparent.

F.A.Q.

Are there any alternatives to payday loans in Duncombe, Iowa?

Yes, there are alternatives to payday loans in Duncombe, Iowa, such as borrowing from friends or family, taking out a personal loan, or working with a credit counseling agency to develop a budget and payment plan.

Is it possible to get a payday loan with no employment in Duncombe, Iowa?

It may be possible to get a payday loan with no employment in Duncombe, Iowa if you have another source of income, such as government benefits or alimony payments. However, most lenders will require proof of income to qualify for a loan.